CONSOLIDATED STATEMENT OF CASH FLOWS - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2025	Mar. 31, 2024
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 7,621	$ 7,024
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	625	785
Depreciation and amortization	449	499
Amortization and accretion of loans and other assets	(793)	(986)
Amortization and accretion of investment securities	217	393
Deferred income taxes	(109)	122
Investment securities losses (gains), net	11	(55)
Earnings on bank owned life insurance	(346)	(668)
Vesting of restricted stock	2	3
Originations of loans held for sale	(25,525)	(28,446)
Proceeds from sales of loans held for sale	29,337	29,866
Realized gains on loans sold	(272)	(417)
Realized gains on sale of Braavo	0	(1,102)
(Decrease) increase in accrued interest receivable	(612)	446
Decrease in accrued interest payable	(1,550)	(175)
Other, net	1,890	6,167
Net cash provided by operating activities	10,945	13,456
Available-for-sale securities:
Proceeds from maturity and principal repayments	14,094	16,649
Purchase of securities	(14,161)	(6,623)
Proceeds from sale of equity securities	0	335
Proceeds from life insurance	108	1,147
Proceeds from matured interest bearing time deposits with other banks	0	250
Proceeds from redemption of regulatory stock	10,079	8,974
Purchase of regulatory stock	(8,950)	(9,256)
Net (increase) decrease in loans	(1,386)	4,157
Purchase of premises and equipment	(585)	(99)
Proceeds from sale of premises and equipment	12	0
Proceeds from sale of foreclosed assets held for sale	61	392
Proceeds from sale of Braavo assets	0	7,185
Net cash (used in) provided by investing activities	(728)	23,111
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase in deposits	(17,174)	(18,599)
Repayments of long-term borrowings	0	(5,000)
Net increase (decrease) in short-term borrowed funds	3,938	(33,816)
Purchase of treasury and restricted stock	(57)	(45)
Sale of stock for ESPP	15	0
Dividends paid	(2,355)	(2,306)
Net cash used in financing activities	(15,633)	(59,766)
Net decrease in cash and cash equivalents	(5,416)	(23,199)
CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD	42,202	52,818
CASH AND CASH EQUIVALENTS AT END OF PERIOD	36,786	29,619
Supplemental Disclosures of Cash Flow Information:
Interest paid	17,562	17,150
Income taxes paid	0	0
Loans transferred to foreclosed property	40	0
Right of use asset and liability	$ 377	$ 0